Golden Saving Account — Arab African International Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Golden Saving Account

Arab African International Bank · Savings · Egyptian Pound · 4.0 · Monday 22 June 2026 - 01:39 PM

Golden Savings Account offers customers the flexibility to choose the return payout frequency, along with exclusive and competitive benefits.

Interest rate
3.5% – 8.5%
Min. opening deposit
EGP 20K
Monthly fee
EGP 50

Banky Analysis

Suits you if

  • I want an account with banking features
    • More banking features than average

Not for you if

  • Grow my savings the most
    • Net yield after fees lower than average
  • I want to start with a small amount

All of this is measured against products in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Interest type
Fixed
Base rate
3.5%
Max rate
8.5%
Payout
Multiple
Rate tiers
  1. EGP 5,000 – EGP 99,000 Compounded monthly
    3.5%
  2. EGP 5,000 – EGP 99,000 Compounded quarterly
    3.75%
  3. EGP 5,000 – EGP 99,000 Compounded semi-annually
    4%
  4. EGP 5,000 – EGP 99,000 Compounded annually
    4.25%
  5. EGP 100,000 – EGP 499,999 Compounded monthly
    4.25%
  6. EGP 100,000 – EGP 499,999 Compounded quarterly
    4.5%
  7. EGP 100,000 – EGP 499,999 Compounded semi-annually
    5%
  8. EGP 100,000 – EGP 499,999 Compounded annually
    5.13%
  9. EGP 500,000 – EGP 999,999 Compounded monthly
    5%
  10. EGP 500,000 – EGP 999,999 Compounded quarterly
    5.25%
  11. EGP 500,000 – EGP 999,999 Compounded semi-annually
    5.5%
  12. EGP 500,000 – EGP 999,999 Compounded annually
    6%
  13. EGP 1,000,000 – EGP 4,999,999 Compounded monthly
    7%
  14. EGP 1,000,000 – EGP 4,999,999 Compounded quarterly
    7.25%
  15. EGP 1,000,000 – EGP 4,999,999 Compounded semi-annually
    7.38%
  16. EGP 1,000,000 – EGP 4,999,999 Compounded annually
    8%
  17. EGP 5,000,000 – EGP 5,000,001 Compounded monthly
    7.5%
  18. EGP 5,000,000 – EGP 5,000,001 Compounded quarterly
    7.63%
  19. EGP 5,000,000 – EGP 5,000,001 Compounded semi-annually
    7.63%
  20. EGP 5,000,000 – EGP 5,000,001 Compounded annually
    8.5%

Balance & withdrawals

Min opening deposit
EGP 20,000
Min balance for interest
EGP 5,000
Max withdrawals/mo
100000
Overdraft allowed
No

Fees

Opening fee
EGP 150
Monthly fee
EGP 50
Quarterly fee
EGP 0
Below-minimum fee
EGP 0

Features & requirements

Debit card
Yes
Online banking
Yes
Mobile banking
Yes
Joint account
No
Minor account
No
For women
No
For pensioners
No

Do the maths

Golden Saving Account

See how regular monthly deposits grow your balance over time.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • ATM Services: Cash deposits, bill payments, fund transfers, foreign currency exchange, and Fawry services.
  • Ability to obtain credit facilities
  • Online and Mobile Banking Services
  • A debit card is available upon request.

Cons

  • High minimum opening balance of EGP 20,000
  • The return is calculated based on the lowest account balance during the month.

Our take

Golden Savings Account offers customers the flexibility to choose their preferred return payout frequency, accompanied by exclusive and competitive benefits, with interest accrual beginning at a balance of EGP 5,000. It is well-suited for customers who value the diverse services of the Arab African International Bank, or for those requiring credit facilities secured by the account while maintaining liquidity. However, from an investment perspective, it is not the most competitive option compared to other savings accounts or certificates of deposit in the Egyptian banking market, as its yields are relatively low when compared to those offered by competing banks for similar balances.

Golden Savings Account offers customers the flexibility to choose the return payout frequency, along with exclusive and competitive benefits.

Compare

Alternatives at a glance
Golden Saving Account Arab African International Bank This one Current account with daily interest Emirates NBD Wafa Saver Attijariwafa bank Egypt saving account MID BANK
Interest rate
3.5% – 8.5% 3% – 18% 4% – 7.5% 2.75% – 8.75%
Min. opening deposit
EGP 20K EGP 50K EGP 5,000 EGP 2,000
Monthly fee
EGP 50 EGP 0 EGP 40 EGP 0
Compare with 3 similar savings

Added Monday 22 June 2026 - 01:09 PM Updated Saturday 10 October 2026 - 05:33 PM